Lighthouse Insurance Agency

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Lighthouse Insurance Agency Our mission is to manage your risk so you can focus on reaching your dreams.
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Tom has been running his electrical contracting business in Lorain County for over 15 years. Like a lot of contractors, ...
10/12/2026

Tom has been running his electrical contracting business in Lorain County for over 15 years. Like a lot of contractors, he figured his general liability policy had him covered. 💪

When he came in for a routine review, we found his limits were outdated — they wouldn't have held up against a serious job-site claim. We helped him upgrade his coverage, added inland marine protection for his equipment, and actually found him a better rate than what he was already paying.

Tom's words: "I had no idea how exposed I was. These guys didn't just sell me insurance — they actually looked out for me."

That's exactly what we're here for. Whether you're working solo or running a full crew, we take the time to find coverage that truly fits the way you work.

Ready for a review? Give us a call or text — let's make sure you're protected. 📞

October is here — and Q4 is the perfect time to check your bearings before the year wraps up. 🍂Here's a quick year-end c...
10/09/2026

October is here — and Q4 is the perfect time to check your bearings before the year wraps up. 🍂

Here's a quick year-end coverage checklist:

✅ Did your home value or any renovations change this year?
✅ Are your auto limits right heading into winter driving season?
✅ Is your business coverage keeping up with your growth?
✅ Have you looked at adding an umbrella policy?

Small gaps left unchecked can turn into big surprises. And with renewal season right around the corner, a quick review now can set you up for a smoother, better-protected 2027.

We're here to help you navigate it. Call or text us to schedule your year-end review — no pressure, just clarity. 🏠

📞 Call or text: (440) 282-4440

Most people assume their home and auto insurance have them fully covered. 🛡️ But there's a gap we see all the time — one...
10/07/2026

Most people assume their home and auto insurance have them fully covered. 🛡️ But there's a gap we see all the time — one that can leave you seriously exposed.

If someone is badly injured on your property, or you're at fault in a major accident, your standard liability limits can run out fast. Medical bills, legal fees, and lawsuits can easily top $300,000 — or much more.

That's where an umbrella policy comes in. For just a few hundred dollars a year, you get an extra $1 million (or more) of protection that picks up where your other coverage leaves off. It's one of the most affordable ways to protect everything you've worked for.

Not sure if you have this gap? Let us take a look. A quick review could save you from a very costly surprise.

📞 Call or text us today — we're here to light the way to coverage that truly protects you.

🏈 The Cleveland Browns now have the best record in their division — and you know why? Because they were PREPARED.Are you...
10/05/2026

🏈 The Cleveland Browns now have the best record in their division — and you know why? Because they were PREPARED.

Are you ready for whatever the risk gremlins might throw your way?

Life has a way of surprising us — whether it's an unexpected claim, a coverage gap, or a policy that no longer fits your life. The best defense is a great coverage review.

Schedule your Lighthouse Risk Review today and let us help you navigate whatever comes next. 🏠🛡️

📞 Call or 💬 text us to get started!

October is here — and if you're in Northeast Ohio, you know what's coming. 🍂❄️Before the first freeze hits, it's worth t...
10/05/2026

October is here — and if you're in Northeast Ohio, you know what's coming. 🍂❄️

Before the first freeze hits, it's worth taking a few minutes to check your bearings on your coverage:

🏠 Had any renovations this year? Make sure your insured value reflects those upgrades.
💧 Do you have sump pump or water backup coverage? Many policies exclude it by default.
🔥 Heating system update overdue? Older systems can affect coverage eligibility.
🚗 Any changes to your vehicles or drivers since your last review?

Small updates now can prevent big surprises later. That's the Lighthouse way — guiding you before the storm hits, not after. ⚓

Schedule your fall coverage review today. It takes about 15 minutes, and you'll head into winter feeling a whole lot better.

📞 Call or text us to get started
🌐 lighthouseinsuranceamherst.com

A few months ago, Mike and Sarah from Lorain came in for their annual review. They'd owned their home for 12 years and h...
10/02/2026

A few months ago, Mike and Sarah from Lorain came in for their annual review. They'd owned their home for 12 years and hadn't updated their coverage since the day they bought it. 🏡

Their neighborhood had grown. Their home had been renovated. The value had climbed — but their policy was still written for a house that no longer existed.

We sat down together, ran the numbers, and updated their replacement cost coverage before anything went wrong. A few months later, they called us just to say thank you. Not because of a claim — but because they finally felt at peace knowing they were truly protected.

That's what we're here for. To be the lighthouse that guides you through the fog before the storm ever hits. ⚓

When's the last time someone really looked at your coverage? Let's check your bearings together.

📞 Call or text us to schedule your free review
🌐 lighthouseinsuranceamherst.com

Here's something we're seeing more and more on Ohio homeowners policies: percentage-based deductibles. 🏠Most homeowners ...
09/30/2026

Here's something we're seeing more and more on Ohio homeowners policies: percentage-based deductibles. 🏠

Most homeowners assume their deductible is a flat dollar amount — like $1,000 or $2,500. But many newer policies have shifted to a PERCENTAGE of your home's insured value.

Here's what that means in real numbers:
On a $300,000 home with a 2% deductible, you'd owe $6,000 out of pocket before your insurance kicks in.

On a wind or hail claim, that gap can come as a real shock.

We want to make sure you know exactly what you'd owe before something happens — not after. That's what it means to have a guiding light in your corner. 💙

Pull out your declarations page and look for terms like "wind/hail deductible" or "percentage deductible." Not sure what you're looking at? That's exactly what we're here for.

📞 Call or text us and we'll walk through it together
🌐 lighthouseinsuranceamherst.com

Fall is the season for change. And for most families, it's also the time of year when life transitions sneak up on cover...
09/17/2026

Fall is the season for change. And for most families, it's also the time of year when life transitions sneak up on coverage.

A few questions worth asking before the year closes out:

🎓 Did a child head off to college this fall? Their belongings may not be fully covered under your homeowners policy away from home — and if they're driving a car at school, your auto situation may have changed too.

🏠 Did you make improvements to your home this summer? A finished basement, new roof, or updated kitchen can all affect your replacement cost value. If you're under-insured and something happens, you'll feel the gap.

👨‍👩‍👧 Did your family grow or change? Marriage, a new baby, or a new driver means it's time to revisit who and what you're protecting.

🏘️ Did you pick up a rental property or start a side business? Those assets carry exposure that standard personal lines policies don't cover.

Life moves fast. Coverage should keep up. We help clients navigate these transitions every day — because the right insurance isn't a one-time decision, it's an ongoing conversation.

It's time to check your bearings before the season shifts. 🧭

📞 Call or 💬 text us to schedule your fall coverage review before year-end gets busy.

Call us at 440-984-3463 or text 440-210-9480

A few years ago, a client of ours was in a serious accident.The injuries were significant, and the medical bills came in...
09/16/2026

A few years ago, a client of ours was in a serious accident.

The injuries were significant, and the medical bills came in well above the at-fault driver's auto liability limits.

Without underinsured motorist coverage, that gap would have come straight out of our client's own pocket. His savings, his home equity — all potentially on the line.

Because he had underinsured liability coverage, it covered the excess. He was protected. His family was protected. And he didn't lose sleep over what could have been a financial disaster.

Underinsured and uninsured motorist liability are among the most affordable, highest-value coverages we recommend. And yet, the many households don't have that coverage.

If you've never had that conversation about uninsured/underinsured or umbrella coverage, let's change that. It's not about being overly cautious — it's about being prepared. ⚓

📞 Call or 💬 text us to find out if an umbrella policy is right for you.

Call us at 440-984-3463 or text 440-210-9480

Address

4789 N Leavitt Road Suite D
Lorain, OH
44053

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 4pm

Telephone

+14409843463

Website

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